Commenting on bad loans, SBI Chairperson Arundhati Bhattacharya said that every business is risky especially one with high value since markets are very fluid. Asked about all the bad loans to Vijay Mallya, who owes various banks close to Rs 9000 crores, Bhattacharya said that the recovery of his assets by SBI have been mired in red tape. Her advice to Vijay Mallya is that he treat banks like his family physician and come clean with all that is ailing his business so that an amicable solution can be worked on.